如果退休前后税率都一样，应存钱IRA还是拿钱去买房子？

如果退休前后税率都一样，应存钱IRA还是拿钱去买房子？有人说钱放Ira省了当年的税，然后钱滚钱，拿出来时就算税率一样，也比先交税，然后存Roth 高，这样的算法对吗？我算的结果是一样的，如果税率相同，回报相同的话。所以我想是要不存Roth , 以防以后税率增加。要不买房，希望以后房子增值。各位大佬帮忙算算。我的公司还可以有salary defer up to 100%.不知道是否应该defer. 我的工资全部不需要家用的。谢谢指教

所有跟帖： 

• 我是拿来买房而不是存入退休金。不过有点犹豫是否要改变，因为目前税率太高。但是没时间去改。 -3apples- ♀ (0 bytes) () 11/19/2014 postreply 10:14:49

• It is end of the year for us to make changes -meowi- ♀ (0 bytes) () 11/19/2014 postreply 10:31:29

• Can you move a house from your name into ira? I thought you can -cublai- ♀ (0 bytes) () 11/19/2014 postreply 11:13:46

• really?I never heard that.I know you can use IRA money to buy ho -meowi- ♀ (0 bytes) () 11/19/2014 postreply 11:24:16

• I believe IRS forbid you from moving a house to IRA. You can onl -cublai- ♀ (0 bytes) () 11/19/2014 postreply 11:32:28

• Not a financial planner or CPA , this is what I do -海泠- ♀ (210 bytes) () 11/19/2014 postreply 11:23:11

• I have done 1,3,4. Just not sure about 2, is it worthy? -meowi- ♀ (0 bytes) () 11/19/2014 postreply 11:26:20

• Compare house to stock market -lexm5- ♂ (344 bytes) () 11/19/2014 postreply 11:43:01

• according to your chart, S&P is better, right? -meowi- ♀ (0 bytes) () 11/19/2014 postreply 11:47:47

• I have to decide if I should defer my salary or not, deadline 12 -meowi- ♀ (0 bytes) () 11/19/2014 postreply 11:51:14

• you are missing the rental yld and leverage in RE investment -njrookie- ♂ (0 bytes) () 11/19/2014 postreply 11:48:26

• 不懂股票，没看懂。简单说个答案？ -3apples- ♀ (0 bytes) () 11/19/2014 postreply 11:48:41

• 成年人应该知道世界上没有简单的答案，投资要看投资者的能力和期望 -lexm5- ♂ (0 bytes) () 11/19/2014 postreply 12:46:19

• 我有问题就问，多问多学习。这次看样子问题问得太幼稚了。：） -3apples- ♀ (0 bytes) () 11/19/2014 postreply 12:51:21

• You forgot cashflow for house and dividend for stocks. -cublai- ♀ (26 bytes) () 11/19/2014 postreply 11:49:02

• and management cost for rental ? -lexm5- ♂ (0 bytes) () 11/19/2014 postreply 12:54:15